When shopping for a new credit card in today’s market, it would behoove price conscious consumers to seriously consider cash rebate credit card offers. With a cash back rebate credit card, the cardholder is reimbursed for a percentage of their total year’s credit card purchases. The offers vary from 1% to 5% cash back.
To encourage consumers to use their credit cards where they normally use cash or a money card, financial institutions are offering the higher rate of 5% cash back when the credit card is used at grocery stores, drug stores and gas stations. The 1% rebate is offered at other outlets such as discount and department stores.
The cash back rebate credit card isn’t for everyone. If you’re not one to pay off your balance each month, the cash rebate would be eaten up by finance charges. It’s at this time the consumer should be more concerned with the monthly finance charge assessed.
If someone has large balances on one or more credit cards and would like to consolidate their payments, the 0% APR introductory offer with added cash back features may be the way to go. There are some issuers that offer not only the above 1%...
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